Comprehensive Coverage Comparison for NJ Pet Owners
Spot Pet Insurance Review
In-depth analysis of Spot Pet Insurance plans, pricing, and features. See how Spot compares to other pet insurers and find out if it's right for your pet.
Spot Pet Insurance Plans
Flexible coverage options to fit your pet's needs and your budget. All plans include unlimited annual coverage.
Accident Only
Most affordable
per month
Covered:
- Broken bones & fractures
- Bite wounds & lacerations
- Swallowed objects
- Poisoning & toxicity
- Car accidents
Not Covered:
- Illnesses
- Chronic conditions
- Preventive care
- Pre-existing conditions
Accident & Illness
Comprehensive coverage
per month
Covered:
- Everything in Accident Only
- Cancer treatment
- Diabetes & thyroid issues
- Allergies & skin conditions
- Hereditary conditions
- Alternative therapies
Not Covered:
- Preventive care
- Pre-existing conditions
- Breeding costs
- Cosmetic procedures
Wellness Add-On
Additional coverage
per month
Covered:
- Annual wellness exam
- Vaccinations
- Flea/tick prevention
- Heartworm testing
- Teeth cleaning
- Spay/neuter
Not Covered:
- Accidents
- Illnesses
- Emergency care
Spot vs. Other Pet Insurers
See how Spot stacks up against the competition on key features and benefits.
| Feature | Spot | Industry Average |
|---|---|---|
| Age Limits | No upper age limit for enrollment | Many exclude pets over 14 |
| Coverage Options | 70%, 80%, or 90% reimbursement | Usually 70%-90% options |
| Annual Limits | Unlimited annual coverage | Some have $10,000-30,000 caps |
| Preventive Care | Optional wellness plans available | Not all offer wellness options |
| Waiting Periods | 14 days illness, 48 hours accident | Similar or longer periods |
| Direct Vet Pay | Not available | Some competitors offer |
| Multi-Pet Discount | 10% for additional pets | 5-10% typical |
| Exam Fees | Covered for accidents/illness | Often excluded |
Spot Insurance Pros & Cons
Pros
No Age Limits
Can enroll pets of any age, including seniors
Unlimited Coverage
No annual or lifetime caps on payouts
Customizable Plans
Choose deductible, reimbursement %, and add-ons
Fast Claims
Most claims processed within 2 weeks
Alternative Therapies
Covers acupuncture, chiropractic, rehab
Behavioral Issues
Coverage for anxiety and behavioral treatments
Cons
No Direct Payment
Must pay vet upfront and await reimbursement
Hip Dysplasia Waiting
12-month waiting period for hip dysplasia
Price Increases
Premiums increase with pet age and claims
Limited Wellness
Preventive care caps may not cover all costs
How Spot Claims Work
Simple, straightforward claims process with fast turnaround times.
Visit Any Vet
Take your pet to any licensed veterinarian in the US
Immediate
Pay Your Bill
Pay the vet bill at time of service
At visit
Submit Claim
Upload invoice via app, website, or email
Within 90 days
Review Process
Spot reviews claim for coverage eligibility
2-14 days
Get Reimbursed
Receive payment via check or direct deposit
2-5 days after approval
NJ Customer Experiences
Real reviews from New Jersey pet owners using Spot Insurance.
"Spot covered my dog's $4,000 ACL surgery with 90% reimbursement. Claims were processed in 10 days. Very satisfied!"
Sarah M., Paramus
Golden Retriever, 3 years
Saved: $3,600
"Good coverage for my bully's allergies and breathing issues. Wish they had direct vet payment, but claims are fast."
Mike D., Fort Lee
French Bulldog, 5 years
Saved: $2,200/year
"Only company that would insure my senior cat. Covered her diabetes treatment without issues."
Lisa K., Ridgewood
Maine Coon Cat, 8 years
Saved: $1,800/year
Ready to Compare Pet Insurance Options?
Get quotes from Spot and other top pet insurers. We'll help you find the best coverage at the right price for your pet.
Spot Pet Insurance Questions
How does Spot Pet Insurance compare on price?
Spot's pricing is competitive, typically in the mid-range among pet insurers. Rates vary significantly based on your pet's age, breed, and location in New Jersey.
What's unique about Spot's coverage?
Spot stands out with no upper age limits, unlimited annual coverage, and inclusion of exam fees. They also cover alternative therapies and behavioral treatments that some competitors exclude.
How long are Spot's waiting periods?
Accidents have a 48-hour waiting period, illnesses 14 days, and orthopedic conditions like hip dysplasia have a 12-month waiting period. These are standard in the industry.
Does Spot cover pre-existing conditions?
No, like all pet insurers, Spot doesn't cover pre-existing conditions. However, conditions that are curable and have been symptom-free for 180 days may be covered.
Can I customize my Spot coverage?
Yes, Spot offers flexible options: choose 70%, 80%, or 90% reimbursement, various deductible levels, and optional wellness plans. You can adjust at renewal.
How do I get the best rate with Spot?
Enroll while your pet is young and healthy, choose a higher deductible, select 80% reimbursement instead of 90%, and take advantage of the 10% multi-pet discount.